Re: Your lowest FICO when you started rebuilding?

had several collections deleted and pd/sttl'd 4 accts... but i have a lot of inquires and unfortunately was an app addict until 12/30/08. i will not apply for anything else except when i refinace my car, maybe in the next yr, thru 1 of my 2 cu's.

i am working on my utilization which is the other thing that is killing my score. having added health ins to be taken out of my pay check starting this month, i don't see it my balances going down until maybe may 09.

Re: Your lowest FICO when you started rebuilding?

A year ago all of my scores were around the 550 range after reading and following sound advice from the forums, my lowest score is now EQ at 701. I was just approved for a USSA CC at 7.9% with a 15K limit. I want to thank all of the people who shared their experiences and advice to get me where I am today. Next step is to buy a home near the beginning of 2010.

Re: Your lowest FICO when you started rebuilding?

my scores were so low because of collections and collection agencies checking my credit 69 times a month for 6 months trying to ruin mu score. I have a short credit history but thankfully I only have 2 of those 23 collections on my reports i got all the inquires deleted and all my lates erased except on my macys

Re: Your lowest FICO when you started rebuilding?

I got a divorce and had to file BK in 2000. I had NO open credit for almost 8 years, only 3 collections, the BK and a $57K tax lien. I started rebuilding in Feb '08, but didn't know about FICO at the time. Low 500's by the time I learned the diff in FICO / FAKO. Now 690's on all 3... thanks to all the help / tips from this forum.

Re: Your lowest FICO when you started rebuilding?

Good question. When I went to GreenPath in June 2005 (three months before filing my BK), they ran a credit report on me but it used a FAKO score (CreditXpert - 610; the score was probably inaccurate, but that report said only 16.6% of credit consumers had a worse score, and that percentile is probably accurate). I didn't know about FICO vs. FAKO back then, obviously. I always wondered what the FICO scores were when I filed, but I guess I'll never know.

Starting Score:677 EQ (1/21/09)/705 TU (1/21/09)/714 EXP (1/21/09)Current Score:707 EQ (9/21/10)/720 TU (3/27/10)/Darn you EXPGoal Score:720 on all three by end of 2010

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